Whistleblowing is the act of drawing attention to a perceived wrongdoing, misconduct, or unethical activity within MBME Group.

Whistleblowing can be reported by anyone within MBME or by anyone from outside MBME that are or have been associated with the bank in one form or another.

A whistleblower is someone who discloses or attempts to disclose information about a wrongdoing which could come in various forms such as workplace, fraud, corruption, violation of company policy, law, regulation, etc.

MBME encourages various types of misconduct or wrongdoing to be reported, some examples are:

• Workplace misconduct – any matters related to Human Resources and Environment Health and Safety.
• General, Financial Fraud and Bribery/Corruption misconducts – theft, abuse of assets and other general/financial related fraud matters, corrupt practices including giving or receiving bribes or other improper benefits
• Regulatory and business misconduct – compliance issues, conflict of interests and other regulatory violations
• Data and Security misconduct – information security, data privacy and other cyber security related matters.

Complaints generally relate to service issues or customer service matters , including enquiries on general information about a particular product or service offered by MBME. These matters should be reported through the appropriate customer service channels published on relevant MBME website.

Whistleblowing incidents can be reported using various secure and protected channels that includes:

• Hotline - Coming Soon
• Email
• Online web portal.
• Texting via WhatsApp - Coming Soon

All the reporting options allow for the Whistleblower to remain completely confidential and anonymous. There may be times when MBME personnel will need to try to determine the Whistleblower’s identity or contact details in order to conduct an investigation. In such cases, the reason will be communicated. As long as any Whistleblowing reports are made in good faith, the Whistleblower will be protected from retaliation.

Whistleblowers will be asked to provide information via a set of questions to help initiate an investigation that includes at a minimum:

• Type of incident
• Brief details of incident – i.e. time, place, occurrence, activity, involved individuals, etc.
• Triggers of the incident
• Any evidence to help support the intended allegations
• Any other relevant information that could help provide further clarity to successfully proceed with the investigation.

The Whistleblower may be contacted for further information that may be needed during the investigation.

When you report an incident via any of the channels, a unique case number will be assigned to the user making the report. You should retain the case number so you can check on the status and receive updates as applicable.

No, but it is important to file a report as soon as you have enough evidence to make a good faith report. If you delay, evidence becomes stale, hampering the investigation where MBME may not be able to resolve the problem effectively.

A preliminary enquiry will be conducted to determine if a full investigation should be undertaken and by whom. Moreover, as part of the enquiry, you may be contacted for further information to proceed further with the investigation of your case. Therefore, its important to keep your Case reference to ensure you receive updates on the report accordingly. 

The preliminary enquiry assesses whether or not there appears to be a proper incident reported. If so, the case will be investigated. If we believe the incident does not meet the Whistleblowing criteria or is more related to a complaint, we will direct the case to the proper channels for further review and resolution.

You generally have the right to be informed of the outcome of your disclosure and the findings of any investigation. However, any action taken against an employee as a consequence of the investigation may be personal and confidential, in which case, it cannot be disclosed.

You may send your queries via the designated email  mbmecare@mbmegroup.itracline.net  or contact our 24/7 support team available virtually on any technical issues.